Mansi Finance (Chennai) Limited (MANSIFIN.BO) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+570.4%

₹355.04

vs ₹52.96 price

Levered DCF

₹599.12

After debt service

Piotroski score

4 / 9

Average

Altman Z-score

—

Rating

B-

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
P/E	7.63×	6.9×	8.97×	7.43×	22.83×	8.48×	7.22×	3.51×
P/B	0.61×	0.55×	0.54×	0.46×	0.49×	0.5×	0.53×	0.57×
P/S	2.5×	1.62×	2.59×	2.31×	2.72×	2.22×	1.85×	1.44×
EV / EBITDA	6.67×	4.4×	18.42×	19.26×	36.73×	22.86×	24.06×	10.2×
Gross margin	75.4%	77.5%	49.4%	49.9%	36.9%	43.6%	42.7%	61.4%
Operating margin	61.5%	71.0%	36.2%	35.9%	19.1%	28.3%	27.5%	49.4%
Net margin	32.8%	23.5%	28.9%	31.1%	11.9%	26.2%	25.7%	41.0%
Current ratio	98.67×	55.18×	180.99×	294.21×	124.85×	115.05×	22.59×	13.38×
Debt / equity	0.47×	0.57×	0.93×	1.06×	1.08×	1.11×	1.49×	1.49×
Interest coverage	0×	0×	0×	0×	0×	0×	0×	0×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Return on equity	8.0%	7.9%	6.0%	6.1%	2.1%	5.9%	7.3%	16.2%
Return on invested capital	7.2%	12.2%	1.6%	2.5%	1.0%	2.1%	1.3%	6.3%
Return on assets	5.3%	4.9%	3.0%	2.9%	1.0%	2.7%	2.9%	6.3%
Free cash flow yield	8.9%	53.9%	3.9%	-19.9%	24.1%	54.3%	-21.7%	-105.7%
Earnings yield	13.1%	14.5%	11.2%	13.5%	4.4%	11.8%	13.9%	28.5%
Enterprise value	₹419.3M	₹398.4M	₹492.1M	₹463.1M	₹434.9M	₹478.8M	₹561.8M	₹535.7M
Net debt / EBITDA	2.7×	2.13×	11.48×	13.08×	24.19×	15.77×	17.7×	7.38×
Cash conversion cycle (days)	0	1,385	2,755	3,162	3,173	2,791	0	0